"HESS has worked with IA for 6 years and we continue to be impressed with their attention to detail, responsiveness, and customer focus."

- Chuck Hess, CEO

Gaithersburg High School
Contractor: HESS Construction
Gaithersburg, MD


"We have been a client of IA for 20+ years. The reason is quite simple: IA is a firm that represents our company in a professional manner to all carriers and we can rely on them to tell our story."

- Rich Harrington, CFO

5601 Fishers Lane
Contractor: Bowers


"We have found the knowledge possessed by IA of the surety industry and the Greater Washington DC construction marketplace to be unparalleled, even when compared to the national brokerage firms."

- Mike Burlas, CFO

Contractor: Miller and Long


"We have relied on IA to provide us with an insurance program that we value as an intricate part of our business model.  They have delivered for us."

- Michael B. Goheen, CFO

360 H Street
Washington, DC
Owner: Steuart Investment Company


"When I first started with my company they were already working with IA. Now over 5 years later and several benefit changes later the people at IA continue to provide me with the service I have come to appreciate."

- Denise Roberts, Director of Human Resources

Government Contractor: AOC Solutions

Client Services

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Rockville Office:
Fairfax Office:
Towson Office:
21 Church Street, Suite 100
10201 Fairfax Boulevard, Suite 500
305 W. Chesapeake Avenue Suite 204
Rockville, MD 20850
Fairfax, VA 22030
Towson, MD 21204
Phone: 301.838.9400
Phone: 703.352.7333
Phone: 410.825.7360

Insurance Associates


nsurance Associates is a full service agency, with an expertise in the construction industry.  We provide clients with a complete array of services including surety bonding, commercial insurance, risk management, employee benefits, life and personal insurance coverage.

IA Blog

Do I Need Insurance for a Child Going Away to College?

Do I Need Insurance for a Child Going Away to College?Our Personal Insurance expert, Kristy, has been getting calls all month on insurance coverage questions from concerned parents who are sending their kids off to college in the next week or so. Their questions pertain mainly to the amount of coverage available Read More...

Are you prepared for a DOL audit?

Are you prepared for a DOL audit?The U.S. Department of Labor (DOL) has broad authority to investigate or audit an employee benefit plan’s compliance with the Employee Retirement Income Security Act (ERISA).  Audits are performed by the DOL’s Employee Benefits Security Administration (EBSA).  To perform these audits, EBSA Read More...

Value Proposition

Value PropositionI am currently enrolled in a six month program called “Reach Your Peak”, structured to help develop your overall ability to promote yourself and your product. The first step in the program is to develop a value proposition.  A value proposition summarizes Read More...

The Appeal of Voluntary Employee Benefits

The Appeal of Voluntary Employee BenefitsBy:  Carolyn Robbins, HIA According to a recent study by the world's leading insurance and financial services trade association, LIMRA, “7 in 10 employers offer voluntary benefits to improve morale for their existing employees and to attract and retain new talent”.  The study Read More...

“Off-the-shelf” insurance is not appropriate for Complex Situations

“Off-the-shelf” insurance is not appropriate for Complex SituationsA new client was introduced to us by a friendly competitor who needed help with a Builders Risk placement. He knew we were experts in construction and trusted us to do the right thing. When presented with the facts, we knew the Read More...

Is a Group Captive Insurance Program right for your business?

Is a Group Captive Insurance Program right for your business?Ed Kushlis, CPA, CPCU Senior Vice President Insurance Associates, Inc. April, 2015 A Group captive insurance program can be an attractive alternative to traditional casualty insurance (Auto, Workers’ Compensation, General Liability).   Securing your insurance through a group captive provides an enhanced level of control and financial Read More...

Daylight Savings Time, Bad News For Your Experience Mod?

By William (BJ) Westner Jr., CPCU, CLU, RHU, FLMI Claims Consultant, Insurance Associates In just one month, Daylight Savings Time will be upon us again.  While this usually brings a certain level of happiness to most because there are more hours of sunlight after Read More...

Continued Stable Surety Underwriting Good News for Contractors

Continued Stable Surety Underwriting Good News for ContractorsDespite the sputtering local construction economy and the recent contractor failures that have made headlines, surety companies have remained disciplined in their underwriting decisions over the past few years.  Declining premium volumes have not led to relaxed underwriting standards, which is good Read More...

Q&A: What lessons can contractors take away from a recent insurance claim you’ve encountered?

Q&A:  What lessons can contractors take away from a recent insurance claim you’ve encountered?“ABC’s Construction Executive” VIEWPOINTS A recent workers compensation claim involving a crushed pinkie finger was a great example of how valuable a vigorous Return to Work program can be. In this instance the employer worked closely with the treating doctor and insurance carrier to ensure Read More...

Section 831(b) Micro-Captives - Worth Considering, but Proceed with Caution

Section 831(b) Micro-Captives - Worth Considering, but Proceed with Caution  There continues to be a buzz about Section 831(b) micro captives as having multiple benefits for companies that make the election and own a captive insurance company that meets IRS requirements. Potential customers are attracted to the idea of establishing  an 831(b) captive Read More...

One Thing You Can Easily Do to Lower Your Experience Mod.

One Thing You Can Easily Do to Lower Your Experience Mod.The holiday season is here!  It’s a wonderful time of giving and getting, wishing and wanting.  It’s natural that every contractor wants a lower experience mod, but are contractors doing everything they can be doing in order to achieve a lower experience Read More...

Are you Distracting Your Teen Driver?

Are you Distracting Your Teen Driver?Are you Distracting Your Teen Driver? Fifty-three percent of teens who reported talking on a phone while driving were talking with their parents.  It’s a dilemma for the parents because you want to know that your child has arrived safely at their destination Read More...

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18 hours ago  ·  

Congratulations to Diane Collazo! She is celebrating 22 Years with Insurance Associates TODAY! Thanks for all you do Diane - We are lucky to have you as part of our team! Happy Anniversary!!! ... See MoreSee Less

2 days ago  ·  

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